I had/have exactly the same problem re home insurance only covering up to £1000 per bike. After buying a bike worth a bit more than that, I tried a few of the "bike specific" insurance policies for a quote. What I found with each one I tried was that in the small print there is a clause which for me makes the policy worthless. It relates to only being covered for theft of the bike if it was secured by an insurance approved lock. When you dig deeper that means a heavy "U" lock approved by the insurance company. Sorry, but I didn't buy a lighter bike to then negate the difference by carrying 2kg of lock around with me. So now the good bike only comes out if I know it's going to be a loop from home and back (with maybe a short cafe stop using a lighter lock) - which is a shame because I prefer to go wandering on my bike and maybe lock it to street furniture while I go to a shop, pub, or whatever. The good bike doesn't leave my sight, which is a bit restrictive.
